JPH0430063B2 - - Google Patents
Info
- Publication number
- JPH0430063B2 JPH0430063B2 JP4288183A JP4288183A JPH0430063B2 JP H0430063 B2 JPH0430063 B2 JP H0430063B2 JP 4288183 A JP4288183 A JP 4288183A JP 4288183 A JP4288183 A JP 4288183A JP H0430063 B2 JPH0430063 B2 JP H0430063B2
- Authority
- JP
- Japan
- Prior art keywords
- transaction
- card
- key
- center device
- data
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Lifetime
Links
- 238000012545 processing Methods 0.000 claims description 21
- 230000004044 response Effects 0.000 claims description 5
- 238000012795 verification Methods 0.000 claims description 4
- 238000003672 processing method Methods 0.000 claims description 3
- 238000000034 method Methods 0.000 description 13
- 230000005540 biological transmission Effects 0.000 description 7
- 238000004891 communication Methods 0.000 description 6
- 238000013500 data storage Methods 0.000 description 3
- 238000003780 insertion Methods 0.000 description 3
- 230000037431 insertion Effects 0.000 description 3
- 238000010586 diagram Methods 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 238000007796 conventional method Methods 0.000 description 1
- 238000012806 monitoring device Methods 0.000 description 1
- 238000011017 operating method Methods 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Description
【発明の詳細な説明】
＜発明の技術分野＞
この発明は、現金自動預金支払機などのように
カードを用いて取引する自動取引装置において、
暗証番号の入力処理と取引要求金額の入力処理と
センた装置との交信処理とについての手順を規定
する情報制御処理方法に関する。[Detailed Description of the Invention] <Technical Field of the Invention> The present invention relates to an automated teller machine, such as an automated teller machine, that uses a card for transactions.
The present invention relates to an information control processing method that defines procedures for inputting a personal identification number, inputting a transaction request amount, and communicating with a sending device.
＜発明の背景＞
例えば従来の現金自動預金支払機における手順
を第５図に基づいて説明する。<Background of the Invention> For example, the procedure in a conventional automatic teller machine will be explained based on FIG.
同図中、符号５１〜６１は各手順を示すもの
で、まずカードの磁気ストライプより暗証番号な
どの記録データを読み取つて記憶手段へ記憶させ
（ステツプ51，52）、続くステツプ53，54で請求金
額などの取引要求金額および暗証番号のキー入力
があると、キー入力データの記憶処理（ステツプ
55）を経て、暗証番号についての読取データとキ
ー入力データとの一致、不一致を判定する（ステ
ツプ56）。 In the figure, numerals 51 to 61 indicate each procedure. First, recorded data such as a PIN number is read from the magnetic stripe of the card and stored in the storage means (steps 51 and 52), and then the data is requested in the following steps 53 and 54. When a transaction request amount such as amount and PIN are input using keys, the key input data is memorized (steps are executed).
55), it is determined whether the read data regarding the password and the key input data match or do not match (step 56).
もしステツプ56が“NO”であれば、暗証番号
の再入力回数をステツプ57でチエツクしつつ暗証
番号の再入力を繰り返し実行させるが、もしステ
ツプ56が“YES”であれば、電文編集処理（ス
テツプ58）を経て、センタ装置へ取引要求指令を
送り、センタ装置からの取引回答指令を待つて、
取引後処理または取引拒否処理へ進む（ステツプ
59〜61）。 If step 56 is ``NO'', the number of times the PIN is re-entered is checked in step 57, and the PIN is repeatedly re-entered; however, if step 56 is ``YES'', the message editing process ( After step 58), it sends a transaction request command to the center device, waits for a transaction response command from the center device, and then
Proceed to post-transaction processing or transaction rejection processing (step
59-61).
従つて従来の方式は、カード利用者によるキー
入力操作の完了を待つてセンタ装置との交信、さ
らには取引後処理を順々に実行するものあり、こ
れがため１取引に要する時間が長くかかり、取引
処理の効率が悪いという問題がある。 Therefore, in the conventional system, communication with the center device is performed after completing the key input operation by the card user, and post-transaction processing is executed one after another.As a result, it takes a long time for one transaction. There is a problem with inefficient transaction processing.
この取引処理の効率を高める方法として、先
般、カードの記録データの読取と暗証番号のキー
入力とを実行した後、暗証番号の照合処理と並行
して口座番号などのカード読取データをセンタ装
置へ送信する方法（特開昭56−143080号）や、カ
ードの記録データの読取後に、暗証番号のキー入
力処理と並行してセンタ装置へ口座番号などのカ
ード読取データをセンタ装置へ送信する方法（特
開昭53−122344号）が提案された。 As a method to improve the efficiency of this transaction processing, we recently developed a system that reads card data and key-in a PIN number, and then sends the card read data such as account number to the central device in parallel with the PIN verification process. (Japanese Unexamined Patent Publication No. 56-143080), or a method of transmitting card read data such as account number to the center device in parallel with the key input process of the PIN number after reading the recorded data of the card ( JP-A-53-122344) was proposed.
ところがいずれの方法も、取引要求金額のキー
入力前にセンタ装置と交信するため、全てのキー
入力処理の完了後に再度センタ装置と交信してセ
ンタ装置のデータを更新させる必要があり、その
分、取引処理の効率を低下させるという問題があ
る。 However, in both methods, since communication is made with the center device before key input of the transaction request amount, it is necessary to communicate with the center device again after all key input processing is completed to update the data in the center device. There is a problem in that it reduces the efficiency of transaction processing.
＜発明の目的＞
この発明は、上記問題に着目してなされたもの
で、取引要求金額のキー入力処理の後に、暗証番
号のキー入力および照合処理とセンタ装置との交
信とを並行して進める方式を採用することによ
り、取引時間の短縮をはかり、もつて取引処理の
効率を大幅に向上させた自動取引装置における情
報制御処理方法を提供することを目的とする。<Purpose of the Invention> The present invention has been made by focusing on the above-mentioned problem, and after the key input processing of the transaction request amount, the key input and verification processing of the PIN number and the communication with the center device are proceeded in parallel. It is an object of the present invention to provide an information control processing method in an automatic transaction device, which shortens transaction time and greatly improves transaction processing efficiency by adopting this method.
＜発明の構成および効果＞
上記目的を達成するため、この発明では、自動
取引処理装置がカードの記録データを読み取り、
カード利用者が取引要求金額を自動取引装置にキ
ー入力した後、カード利用者による暗証番号のキ
ー入力前に、上記カード読取データと取引要求金
額とをセンタ装置へ送信し、暗証番号のキー入力
および暗証番号の照合と、センタ装置からの取引
回答の受信とを並行して行い、しかる後に取引後
処理を進行させることにした。<Configuration and Effects of the Invention> In order to achieve the above object, in this invention, an automatic transaction processing device reads recorded data of a card,
After the card user key-inputs the transaction request amount into the automatic transaction device, but before the card user key-in the PIN number, the above card reading data and transaction request amount are sent to the center device, and the PIN code is key-input. It was decided that the verification of the personal identification number and the reception of the transaction response from the center device would be carried out in parallel, and then the post-transaction processing would proceed.
この発明によれば、カード利用者が暗証番号の
キー入力を行う間にセンタ装置との交信を開始す
るから、これら手順を順次進める従来の方式と比
較して、取引時間が大幅に短縮され、取引処理の
効率を向上できる。 According to this invention, since communication with the center device is started while the card user is key-inputting the PIN number, the transaction time is significantly shortened compared to the conventional method in which these steps are performed sequentially. It can improve the efficiency of transaction processing.
しかも暗証番号のキー入力よりも前に取引要求
金額をキー入力すると共に、取引要求金額のキー
入力後であつて暗証番号のキー入力前にカード読
取データと取引要求金額をセンタ装置へ送信する
から、センタ装置ではこれらデータから預金デー
タなどに基づいて取引の回答を行うことができ、
センタ装置との交信は１回で済み、取引処理の効
率を一層向上できるなど、発明目的を達成した顕
著な効果を奏する。 Furthermore, the requested transaction amount is inputted before the key input of the PIN number, and the card reading data and the requested transaction amount are sent to the center device after the key input of the transaction requested amount but before the PIN input. , the center device can respond to transactions based on deposit data, etc. from these data.
Communication with the center device is only required once, and the efficiency of transaction processing can be further improved, achieving the remarkable effects of achieving the purpose of the invention.
＜実施例の説明＞
第１図はこの発明の一実施例にかかる現金自動
預金支払機の外観を示す。<Description of Embodiment> FIG. 1 shows the appearance of an automatic teller machine according to an embodiment of the present invention.
図示例の装置は、接客面１の上部位置に通帳挿
入口２、キヤツシユカード挿入口３および、現金
取出口４を備え、高さ中央部にはキーボード５が
設けてある。キーボード５には、多数のキーより
成るキー入力装置６の他に、機械操作などの取引
過程を誘導するための案内文字を表示するCRT
表示部７や紙幣投入口８および紙幣返却口９がそ
れぞれ設けてある。 The illustrated device has a bankbook insertion slot 2, a cash card insertion slot 3, and a cash withdrawal slot 4 at the upper part of a customer service surface 1, and a keyboard 5 at the center of the height. In addition to a key input device 6 consisting of a large number of keys, the keyboard 5 includes a CRT that displays guidance characters to guide transaction processes such as machine operations.
A display section 7, a bill insertion slot 8, and a bill return slot 9 are provided.
第２図は現金自動預金支払機の回路構成例を示
し、演算処理装置１０（以下「Ｍ−CPU」とい
う）、ROM（Read Only Memory）およびRAN
（Random Access Memory）より成る主制御部
１１に、それぞれ演算制御装置１２（以下「Ｓ−
CPU」という）、ROMおよびRAMより成る補助
制御部１３を介して各種入出力手段が接続されて
いる。入出力手段には、紙幣放出機１４、紙幣を
真偽判別するビルチエツカ１５、伝票発行機１
６、カードリーダー１７、通帳への記帳機１８、
キー入力装置６、CRT表示部７、物体検知器１
９および、係員パネル２０が含まれ、これら入出
力手段の動作プログラムは主制御部１１若しくは
補助制御部１３のROMに、また必要な各種デー
タはRAMに、それぞれストアされ、Ｍ−CPU１
０若しくはＳ−CPU１２はプログラムを解読実
行して、各入出力手段の動作を一連に制御する。 Figure 2 shows an example of the circuit configuration of an automatic teller machine, including an arithmetic processing unit 10 (hereinafter referred to as "M-CPU"), ROM (Read Only Memory), and RAN.
(Random Access Memory), each arithmetic and control unit 12 (hereinafter referred to as "S-
Various input/output means are connected through an auxiliary control section 13 consisting of a CPU (referred to as "CPU"), ROM, and RAM. The input/output means includes a bill dispensing machine 14, a bill checker 15 for determining authenticity of bills, and a slip issuing machine 1.
6, card reader 17, bankbook entry machine 18,
Key input device 6, CRT display section 7, object detector 1
9 and an attendant panel 20, the operation programs of these input/output means are stored in the ROM of the main control unit 11 or the auxiliary control unit 13, and various necessary data are stored in the RAM.
0 or S-CPU 12 decodes and executes the program and controls the operations of each input/output means in series.
なお図中、伝送制御部２１は、センタ装置との
間の情報伝達を、伝送制御部２２は遠隔監視装置
との間の情報伝達を、それぞれ制御する。 In the figure, a transmission control section 21 controls information transmission with the center device, and a transmission control section 22 controls information transmission with the remote monitoring device.
第３図は、この発明が実施された現金自動預金
支払機における動作の手順を符号３１〜４８で示
してある。 In FIG. 3, the steps of operation in an automatic teller machine in which the present invention is implemented are shown with reference numerals 31 to 48.
まずカード利用者がキヤツシユカード挿入口３
へカードを挿入すると、ステツプ３１で暗証番号
などのカード記録データがカードリーダ１７によ
り読み取られ、この読取データはつぎのステツプ
32でRAMのデータ記憶領域M1（第４図１に示す）
にセツトされる。つぎにカード利用者がステツプ
33でキー入力装置６により請求金額をキー入力す
ると、主制御部１１のＭ−CPU１０はステツプ
34でカード読取データなどに基づきセンタ装置へ
送信するための電文を編集した後、ステツプ35で
装置内の他のCPUへ割込み要求を出す。割込み
要求を受けたCPUは、ステツプ36において作成
電文に基づく取引要求指令を伝送制御部２１を介
してセンタ装置へ送出し、センタ装置からの取引
回答を受信するのを待つ。一方Ｍ−CPU１０は
上記センタ装置との交信処理と並行して、キー入
力装置６による暗証番号のキー入力を受け付け
る。このキー入力データはRAMのデータ記憶領
域M2（第４図２に示す）に書き込まれる（ステツ
プ38，39）。つぎにＭ−CPU１０は各データ記憶
領域M1，M2から暗証番号にかかるカード読取デ
ータとキー入力データとを読み出して、比較し、
両データの一致、不一致を判定する。データの不
一致により、ステツプ40の判定が“NO”の場
合、カード利用者に対し暗証番号を再度キー入力
するよう要求する。この再入力操作の機会は一定
回数認められ、その回数はステツプ41でチエツク
される。 First, the card user enters the cash card slot 3.
When the card is inserted into the card reader 17, the card record data such as the PIN number is read by the card reader 17 in step 31, and this read data is transferred to the next step.
32 and RAM data storage area M 1 (shown in Figure 4 1)
is set to The card user then steps
33, when the billing amount is entered using the key input device 6, the M-CPU 10 of the main control unit 11 executes the step
After editing the message to be sent to the center device based on the card read data etc. in step 34, an interrupt request is issued to other CPUs in the device in step 35. Upon receiving the interrupt request, the CPU sends a transaction request command based on the created message to the center device via the transmission control unit 21 in step 36, and waits to receive a transaction response from the center device. On the other hand, the M-CPU 10 accepts key input of a password using the key input device 6 in parallel with the communication processing with the center device. This key input data is written to the data storage area M 2 (shown in FIG. 4, 2) of the RAM (steps 38, 39). Next, the M-CPU 10 reads out the card reading data and key input data related to the PIN from each data storage area M 1 and M 2 and compares them.
Determine whether the two data match or do not match. If the determination in step 40 is "NO" due to a data mismatch, the card user is requested to key in the password again. This re-input operation is allowed a certain number of times, and the number of times is checked in step 41.
上記暗証番号の一致判定後は、他のCPUから
の割込発生待ち（ステツプ42，43）となる。もし
センタ装置からの取引回答を伝送制御部２１が受
信すると、Ｍ−CPU１０に対する割込みが発生
し、ステツプ４３の判定が“YES”となる。か
くて前記ステツプ40で暗証番号の一致判定があつ
たとき、ステツプ44で「暗証番号適か」の判定が
“YES”となり、更にセンタ装置からの取引回答
が「取引可」である場合にはステツプ45の判定も
“YES”となり、引き続き取引後処理が実行され
る。 After determining the match between the passwords, the CPU waits for an interrupt from another CPU (steps 42 and 43). If the transmission control section 21 receives a transaction reply from the center device, an interrupt is generated to the M-CPU 10, and the determination at step 43 becomes "YES". In this way, when it is determined in step 40 that the PIN numbers match, in step 44 the determination of ``PIN is valid'' becomes ``YES'', and furthermore, if the transaction response from the center device is ``transaction possible'', then The determination at step 45 is also "YES", and the post-transaction processing is continued.
一方暗証番号が不一致と判定された場合は、ス
テツプ44の判定が“NO”となり、ステツプ46に
おいて伝送制御部２１からセンタ装置に対し取引
取消電文が送出される。しかる後ステツプ47でカ
ード返却、ステツプ48で伝票発行の各取引拒否処
理が行われて取引が完了する。 On the other hand, if it is determined that the PIN numbers do not match, the determination in step 44 becomes "NO", and in step 46, the transmission control section 21 sends a transaction cancellation message to the center device. Thereafter, the card is returned in step 47, and the transaction is rejected by issuing a slip in step 48, thereby completing the transaction.
なおステツプ45の「取引可か」の判定が
“NO”である場合も同様の取引拒否処理が実行
される。 It should be noted that the same transaction rejection process is executed even if the determination in step 45 as to whether the transaction is possible is “NO”.
第１図は現金自動預金支払機の外観を示す斜視
図、第２図はその回路構成を示すブロツク図、第
３図は装置の動作手順を示すフローチヤート、第
４図はRAMの記憶内容を示す説明図、第５図は
従来例の動作の手順を示すフローチヤートであ
る。
Fig. 1 is a perspective view showing the external appearance of the automatic teller machine, Fig. 2 is a block diagram showing its circuit configuration, Fig. 3 is a flowchart showing the operating procedure of the machine, and Fig. 4 shows the memory contents of the RAM. The explanatory diagram shown in FIG. 5 is a flowchart showing the operation procedure of the conventional example.
Claims (1)
力データとを比較して取引処理を実行する自動取
引処理装置において、 自動取引処理装置がカードの記録データを読み
取り、カード利用者が取引要求金額を自動取引装
置にキー入力した後、カード利用者による暗証番
号のキー入力前に、上記カード読取データと取引
要求金額とをセンタ装置へ送信し、 暗証番号のキー入力および暗証番号の照合と、
センタ装置からの取引回答の受信とを並行して行
い、 しかる後に取引後処理を進行させることを特徴
とする自動取引装置における情報制御処理方法。[Scope of Claims] 1. In an automatic transaction processing device that executes transaction processing by comparing card reading data related to a personal identification number and key input data, the automatic transaction processing device reads data recorded on the card, and the card user After key-inputting the transaction request amount into the automated teller machine and before key-in the PIN number by the card user, the card reading data and the transaction request amount are sent to the center device, and the PIN key-in and PIN number are entered. Verification and
An information control processing method in an automatic transaction device, characterized in that receiving a transaction response from a center device is performed in parallel, and then proceeding with post-transaction processing.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP58042881A JPS59167778A (en) | 1983-03-14 | 1983-03-14 | Information control processing method of automatic account device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP58042881A JPS59167778A (en) | 1983-03-14 | 1983-03-14 | Information control processing method of automatic account device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| JPS59167778A JPS59167778A (en) | 1984-09-21 |
| JPH0430063B2 true JPH0430063B2 (en) | 1992-05-20 |
Family
ID=12648376
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP58042881A Granted JPS59167778A (en) | 1983-03-14 | 1983-03-14 | Information control processing method of automatic account device |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JPS59167778A (en) |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2520689B2 (en) * | 1988-03-30 | 1996-07-31 | 沖電気工業 株式会社 | Automated teller machine |
| JP2746208B2 (en) * | 1995-06-01 | 1998-05-06 | 沖電気工業株式会社 | Withdrawal transaction processing method and automatic cash transaction apparatus used for the processing method |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPS53122344A (en) * | 1977-04-01 | 1978-10-25 | Hitachi Ltd | Processing system for business data using card or the like |
| JPS56143080A (en) * | 1980-04-04 | 1981-11-07 | Hitachi Ltd | Cash automatic transaction system |
-
1983
- 1983-03-14 JP JP58042881A patent/JPS59167778A/en active Granted
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPS53122344A (en) * | 1977-04-01 | 1978-10-25 | Hitachi Ltd | Processing system for business data using card or the like |
| JPS56143080A (en) * | 1980-04-04 | 1981-11-07 | Hitachi Ltd | Cash automatic transaction system |
Also Published As
| Publication number | Publication date |
|---|---|
| JPS59167778A (en) | 1984-09-21 |
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